Yup, I took a together mortgage in 2006 which equated to 109% LTV. We took it out knowing our income would rise dramatically in a short space of time so affording the mortgage was never a concern. Anyway, time is getting on and we have outgrown the house. We had it valued and it is worth the same as 6 years ago so really considering how the market is we were happy with that. Unfortunately this means our equity is really pretty low (4% with total owed and 9% with secured amount). We haven't saved anything during this time but took a small loan to get new windows, no credit cards just car finance other than this. Anyway, reason for this post is does anyone have any pearls of wisdom as to the best way forward? I know the answer is buckle the belts in and save but which way is best? Investment? Isa? Remortgage possible with or without unsecured element? Overpayment of secured/unsecured amount? We would really like to have moved on in 2/3 years :) Thanks!
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